Foreclosure-Response.org | Foreclosure Research References

References

The following reference list provides citations and, where available, direct links to research studies that provide additional insight into the impacts of foreclosures and the effects of different types of interventions. Click on the links below to skip to a specific topic, or scroll down to browse all references. Links to additional web resources on foreclosure prevention and neighborhood stabilization are available here.

The reference list includes a number of links to abstracts of cited research reports. Click here to leave the full reference list and view a list that includes only the research abstracts.

Please contact us if you know of a key reference that should be added to this page.

Impacts on Families

Impacts on Neighborhoods

Develop a Coordinated Foreclosure Response Strategy

Prevent Foreclosures, Keep Families in Their Homes

Secure and Maintain Foreclosed Properties

Streamline Private Sector Disposition of Foreclosed Properties

Directly Acquire and Rehabilitate Foreclosed Properties

Help Families Recover

Foreclosure Crisis - Background References

Impacts on Families

Displacement, Housing Instability

2009

Pettit, Kathryn L., Leah Hendey, G. Thomas Kingsley, Mary K. Cunningham, Jennfire Comey, Liza Getsinger, Michel Grosz. "Housing in the Nation's Capital." Washington, D.C.: The Urban Institute, October 2009.
Online: http://www.urban.org/publications/1001340.html

2008

Colvin, Ross. "Family homelessness rising in the United States." Reuters. Reuters, November 12, 2008.
Online: http://www.reuters.com/article/newsOne/idUSTRE4AB18I20081112

Erlenbusch, Bob, Kelly O'Connor, Sherrie Downing, Sue Watlov Phillips. "Foreclosure to Homelessness: the Forgotten Victims of the Subprime Crisis: a national call to action." Washington, DC: National Coalition for the Homeless, April 15, 2008.
Online: http://www.nationalhomeless.org/housing/foreclosure_report.pdf
Click here for abstract.

Khadduri, Jill. "Housing Vouchers Are Critical for Ending Family Homelessness." Washington, DC: National Alliance to End Homelessness, January 29, 2008.
Online: http://www.endhomelessness.org/content/article/detail/1875
Click here for abstract.

US Conference of Mayors. "Hunger and Homelessness Survey: A Status Report on Hunger and Homelessness in America’s Cities: A 25-City Survey." US Conference of Mayors, December 2008.
Online: http://www.usmayors.org/pressreleases/documents/hungerhomelessnessreport_121208.pdf

Wardrip, Keith E., Danilo Pelletiere. "Income and Tenure of Households Seeking Foreclosure Counseling: A Report from Recent Surveys." Research Note #08-03. Washington DC: National Low Income Housing Coalition, July 17, 2008.
Online: https://www2398.ssldomain.com/nlihc/doc/RN-08-03-Final-07-17-08.pdf

2007

Burt, Martha R., Carol Pearson, Ann Elizabeth Montgomery. "Community-Wide Strategies for Preventing Homelessness: Recent Evidence." Journal of Primary Prevention 28 (3-4): 213-228. Springer Netherlands, June 9, 2007.
Online: http://www.springerlink.com/content/ct570u80631g2144/
Click here for abstract.

2005

Pribesh, Shana L. "The Consequences of Residential and School Mobility For Adolescents." Columbus: The Ohio State University, 2005.
Online: http://www.ohiolink.edu/etd/send-pdf.cgi?acc_num=osu1110315943

1998

Shinn, Marybeth, Jim Baumohl. "Rethinking the Prevention of Homelessness." The 1998 National Symposium on Homelessness Research. Washington, DC: HUD and HHS, 1998.
Online: http://aspe.hhs.gov/ProgSys/homeless/symposium/13-Preven.HTM

Financial Insecurity, Economic Hardship

2010

Amromin, Gene, Itzhak Ben-David, Souphala Chomsisengphet, Douglas D. Evanoff. "Financial Literacy and the Effectiveness of Fianical Education and Counseling: A Review of the Literature." Chicago: Federal Reserve Bank of Chicago, 2010.
Online: http://www.chicagofed.org/digital_assets/others/communities/foreclosure_resource_center/more_financial_literacy.pdf

Bowdler, Janis, Roberto Quercia, David Andrew Smith. "The Foreclosure Generation: The Long-Term Impact of the Housing Crisis on Latino Children and Families." Washington, D.C.: National Council of La Raza, 2010.
Online: http://www.nclr.org/content/publications/download/61725

Causa Justa :: Just Cause, Alameda County Public Health Department. "Rebuilding Neighborhoods, Restoring Health: A report on the impact of foreclosures on public health." Causa Justa :: Just Cause and Alameda County Public Health Department, September 2010.
Online: http://www.acphd.org/AXBYCZ/Admin/DataReports/rebuild_restore_fullrpt_sep2010.pdf
Click here for abstract.

Jayasundera, Tamara, Joshua Silver, Katrin Anacker, Denitza Mantcheva. "Foreclosure in the Nation's Capital: How Unfair and Reckless Lending Undermines Homeownership." Washington, DC: National Community Reinvestment Coalition, April 2010.
Online: http://www.ncrc.org/index.php?option=com_content&task=view&id=579&Itemid=116

2009

ElBoghdady, Dina, Sarah Cohen. "The Growing Foreclosure Crisis." Washington DC: The Washington Post, January 17, 2009.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2009/01/16/AR2009011604724.html?nav=emailpage

Families USA. "Too Great a Burden: Americans Face Rising Health Care Costs." Families USA, 2009.
Online: http://www.familiesusa.org/resources/publications/reports/too-great-a-burden-2009.html

Mitchell, Thomas W., Stephen Malpezzi, Richard Green. "Forced Sale Risk: Class, Race, and The 'Double Discount'." Florida State University Law Review 37. Tallahassee: Florida State University Law Review, December 2009.
Online: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1527038

2008

"Measures of State Economic Distress: Housing Foreclosures and Changes in Unemployment and Food Stamp Participation." The Henry J. Kaiser Family Foundation, November 2008.
Online: http://www.statehealthfacts.org/comparetable.jsp?cat=1&ind=649

Collins, S. R., J. L. Kriss, M. M. Doty, S. D. Rustgi. "Losing Ground: How the Loss of Adequate Health Insurance Is Burdening Working Families: Findings from the Commonwealth Fund Biennial Health Insurance Surveys, 2001–2007." The Commonwealth Fund, 2008.
Online: http://www.commonwealthfund.org/Content/Publications/Fund-Reports/2008/Aug/Losing-Ground--How-the-Loss-of-Adequate-Health-Insurance-Is-Burdening-Working-Families--8212-Finding.aspx

Grant, Tim. "Economic crisis has made safety net for poorest families even weaker." Pittsburgh Post-Gazette. Pittsburgh, PA: Pittsburgh Post-Gazette, December 16, 2008.
Online: http://www.post-gazette.com/pg/08351/935369-28.stm

Jenkins, Chris L. "Calls for Food, Utility Help Nearly Double." Washington Post. Washington, DC: Washington Post, December 13, 2008.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2008/12/12/AR2008121202992.html?hpid=sec-metro

Rampton, Roberta. "Record number of Americans using food stamps – USDA." Reuters. Reuters, December 3, 2008.
Online: http://www.reuters.com/article/bondsNews/idUSN0333630820081203

Tedeschi, Bob. "Subprime Loans’ Wide Reach." The New York Times. August 3, 2008.
Online: http://www.nytimes.com/2008/08/03/realestate/03mort.html?_r=4&partner=rssnyt&emc=rss&oref=slogin&oref=slogin

2006

Fellowes, Matthew. "Credit Scores, Reports, and Getting Ahead in America." Washington, DC: Brookings Institution, 2006.
Online: http://www.brookings.edu/~/media/Files/rc/reports/2006/05childrenfamilies_fellowes/20060501_creditscores.pdf
Click here for abstract.

Singleton, Theresa, Lance George, Carla Dickstein, Hannah Thomas. "Subprime and Predatory Lending in Rural America: Mortgage Lending Practices That Can Trap Low-Income Rural People." Carsey Institute Policy Brief No. 4. Carsey Institute, University of New Hampshire, Fall 2006.
Online: http://carseyinstitute.unh.edu/documents/PredLending.pdf
Click here for abstract.

2004

Haurin, Donald R., Stuart Rosenthal. "The Sustainability of Homeownership: Factors Affecting the Duration of Homeownership and Rental Spells." Washington, DC: HUD, Office of Policy Development and Research, December 2004.
Online: http://www.huduser.org/Publications/pdf/homeownsustainability.pdf
Click here for abstract.

2003

Hartwig, R., C. Wilkinson. "The Use of Credit Information in Personal Lines Insurance Underwriting." New York: Insurance Information Institute, 2003.
Online: http://server.iii.org/yy_obj_data/binary/729782_1_0/credit.pdf

2002

Furletti, M. "An Overview and History of Credit Reporting." Philadelphia, PA: Federal Reserve Bank of Philadelphia, June 2002.
Online: http://www.philadelphiafed.org/payment-cards-center/publications/discussion-papers/2002/CreditReportingHistory_062002.pdf

1998

Elmer, Peter J., Steven A. Seelig. "Insolvency, Trigger Events, and Consumer Risk Posture in the Theory of Single-Family Mortgage Default." FDIC Working Paper Series 98 (3). Washington DC: The Federal Deposit Insurance Corporation, March 1998.
Online: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=126168

1996

Rossi, P., E. Weber. "The Social Benefits of Homeownership: Empirical Evidence from National Surveys." Housing Policy Debate 7 (1): 1-15. Fannia Mae Foundation, 1996.
Online: http://content.knowledgeplex.org/kp2/img/cache/documents/1374.pdf

1994

Rohe, W. M., M. A. Stegman. "The Impact of Home Ownership on the Social and Political Involvement of Low-Income People." Urban Affairs Review 30 (1): 152-172. September 1994.
Online: http://uar.sagepub.com/content/30/1/152.abstract

1991

Schill, Michael H. "An Economic Analysis of Mortgagor Protection Laws." Virginia Law Review 77: 489. 1991.

"Access to Consumer Credit Post Foreclosure." Kirwan Institute for the Study of Race and Ethnicity, Ohio State University. Columbus, Ohio: .
Online: http://4909e99d35cada63e7f757471b7243be73e53e14.gripelements.com/FairHousing_FairCredit/leveen_farr_concept_paper_final.pdf

Personal & Family Stress, Disrupted Relationships, Ill Health

2010

2009

Bennett, Gary G., Melissa Scharoun-Lee, Reginald Tucker-Seeley. "Will the Public's Health Fall Victim to the Home Foreclosure Epidemic?." PLoS Med 6 (6): e1000087. doi:10.1371/journal.pmed.1000087. PLoS Med, June 2009.
Online: http://www.plosmedicine.org/article/info%3Adoi%2F10.1371%2Fjournal.pmed.1000087

Families USA. "Too Great a Burden: Americans Face Rising Health Care Costs." Families USA, 2009.
Online: http://www.familiesusa.org/resources/publications/reports/too-great-a-burden-2009.html

Pollack, Craig Evan, Julia Lynch. "Health Status of People Undergoing Foreclosure in the Philadelphia Region." American Journal of Public Health 99 (10): 1833-1899. Washington, DC: American Public Health Association, October 2009.
Online: http://ajph.aphapublications.org/cgi/content/short/99/10/1833
Click here for abstract.

2008

Armour, Stephanie. "Foreclosures take an emotional toll on many homeowners." USA Today. USA Today, May 16, 2008.
Online: http://www.usatoday.com/money/economy/housing/2008-05-14-mortgage-foreclosures-mental-health_N.htm

Candelaria, Margo, Sarah Oberlander, Maureen Black. "Housing and Health." Baltimore Sun. Baltimore, MD: Baltimore Sun, October 24, 2008.
Online: http://www.baltimoresun.com/news/opinion/oped/bal-op.housing24oct24,0,2248076.story

Childs, Dan. "Foreclosure-Related Suicide: Sign of the Times?." ABC News. ABC News, July 25, 2008.
Online: http://abcnews.go.com/Health/DepressionNews/story?id=5444573&page=1

Elias, Marilyn. "Economy's stuck, but business is booming at therapists' offices." USA Today. July 23, 2008.
Online: http://www.usatoday.com/news/health/2008-07-22-mental-health-finances_N.htm

Robertson, Christopher Tarver, Richard Egelhof, Michael Hoke. "Get Sick, Get Out: the Medical Causes of Home Mortgage Foreclosures." Health Matrix 18 (65): 65-105. 2008.
Online: http://works.bepress.com/cgi/viewcontent.cgi?article=1001&context=christopher_robertson

2007

Lubell, Jeffrey, Rosalyn Crain, Rebecca Cohen. "Framing the Issues - The Positive Impact of Affordable Housing on Health." Washington, DC: Center for Housing Policy, July 2007.
Online: http://www.nhc.org/pdf/chp_int_litrvw_hsghlth0707.pdf
Click here for abstract.

2006

Dawkins, C. "Are Social Networks the Ties that Bind Families to Neighborhoods?." Housing Studies 21: 867-881. 2006.
Click here for abstract.

2004

Evren, E. "SHRM Workplace Violence Survey." Alexandria, VA: Society for Human Resources Management, January 2004.

2003

Dietz, R. D. "The Social Consequences of Homeownership." Homeownership Alliance and Regional Analysis, 2003.
Online: http://www.newtowncdc.org/pdf/social_consequences_study.pdf

1996

1994

Impacts on Children

2011

Kachura, Matthew. "Children and Foreclosures: Baltimore City. An Examination of Students A¬ffected by Foreclosures, 2003-2008." Baltimore Neighborhood Indicators Alliance- Jacob France Institute. Baltimore, MD: Winter 2011.
Online: http://bniajfi.org/uploaded_files/0000/0459/children_and_foreclosures_report_phase_1_final.pdf

2010

Been, Vicki, Ingrid Gould Ellen, Amy Ellen Schwartz, Leanna Stiefel, Meryle Weinstein. "Kids and Foreclosures: New York City." Furman Center for Real Estate & Urban Policy, New York University. New York, NY: 2010.
Online: http://furmancenter.org/files/Foreclosures_and_Kids_Policy_Brief_Sept_2010.pdf

Comey, Jennifer, Michel Grosz. "Smallest Victims of the Foreclosure Crisis: Children in the District of Columbia." Urban Institute. Washington, DC: 2010.

2009

Kingsley, G. Thomas, Robin E. Smith, David Price. "The Impacts of Foreclosures on Families and Communities: A Primer." Washington DC: The Urban Institute, May 1, 2009.
Online: http://www.urban.org/publications/411910.html

Kingsley, G. Thomas, Robin E. Smith, David Price. "The Impacts of Foreclosures on Families and Communities." Washington DC: The Urban Institute, May 1, 2009.
Online: http://www.urban.org/publications/411909.html

Urban Strategies Council. "Factsheet: Oakland Unified School District Students at Risk of Foreclosure ©." Oakland: Urban Strategies Council, November 2009.
Online: http://www.urbanstrategies.org/foreclosure/documents/OUSD_StudentsForeclosureFactsheet11-17-09.pdf

Williams, Junious. "Bay Area Foreclosures: The Toll on Children, Youth and Family Life." Oakland: Urban Strategies Council, November 2009.
Online: http://www.urbanstrategies.org/foreclosure/documents/NorCalGrantMakersSlides_11.18.09.pdf

2008

Lovell, Phillip, Julia Isaacs. "The Impact of the Mortgage Crisis on Children and their Education." Washington, DC: First Focus, April 2008.
Online: http://www.brookings.edu/~/media/Files/rc/papers/2008/04_mortgage_crisis_isaacs/04_mortgage_crisis_isaacs.pdf
Click here for abstract.

Partners for America’s Economic Success. "The Hidden Costs of the Housing Crisis: The Impact of Housing on Young Children’s Odds of Success." Issue Brief #7. Washington, DC: Pew Charitable Trusts, 2008.
Online: http://www.partnershipforsuccess.org/docs/research_brief_200807_housing.pdf
Click here for abstract.

Waters-Boots, Shelly, Jennifer Macomber, Anna Danziger. "Family Security: Supporting Parent’s Employment and Children’s Development?." Washington, DC: The Urban Institute, June 2008.
Online: http://www.urban.org/publications/411718.html
Click here for abstract.

2007

Sampson, Robert J., Patrick Sharkey, Stephen W. Raudenbush. "Durable effects of concentrated disadvantage on verbal ability among African-American children." Proceedings of the National Academy of Sciences of the United States of America 105 (3): 845-852. Washington DC: The National Academy of Sciences, October 28, 2007.
Online: http://www.pnas.org/content/105/3/845.full

2006

Hango, Darcy W. "The Long-Term Effect of Childhood Residential Mobility on Educational Attainment." The Sociological Quarterly 47: 631-664. 2006.
Click here for abstract.

Macomber, Jennifer. "An Overview of Selected Data on Children in Vulnerable Families." Washington, DC: The Urban Institute, January 2006.
Online: http://www.urban.org/publications/311351.html

2005

Rhodes, Virginia. "Kids on the Move: The Effects of Student Mobility on NCLB School Accountability Ratings." Penn GSE Perspectives on Urban Education 3 (3). Philadelphia, PA: Penn GSE, Spring 2005.
Online: http://www.urbanedjournal.org/articles/article0020.html

2004

Pettit, Becky. "Moving and Children’s Social Connections: Neighborhood Context and the Consequences of Moving for Low Income Families." Sociological Forum 19 (2): 285-331. June 2004.
Click here for abstract.

2003

Rumberger, Russell. "The Causes and Consequences of Student Mobility." Journal of Negro Education 72 (1): 6-21. Washington, DC: Journal of Negro Education, Winter 2003.
Online: http://www.jstor.org/stable/3211287?seq=1

2002

Rumberger, Russell. "Student Mobility and Academic Achievement." Eric Digest EDO-PS-2-1. Chicago: Clearinghouse on Elementary and Early Childhood Education, June 2002.

2000

Moore, Kristin A., Sharon Vandiverre, Jennifer Ehrle. "Turbulence and Child Well-Being." New Federalism: National Survey of America's Families B (16). Washington, DC: The Urban Institute, June 2000.
Online: http://www.urban.org/UploadedPDF/anf_b16.pdf

1999

Downey, D.B., S. Pribesh. "Why Are Residential and School Moves Associated with Poor School Performance?." Demography 36 (4): 521-534. 1999.
Click here for abstract.

1996

Hagan, John, Ross MacMillan, Blair Wheaton. "New Kid in Town: Social Capital and the Life Course Effects of Family Migration on Children." American Sociological Review 61: 368-385. June 1996.

1994

Haveman, Robert, Barbara Wolfe. "Succeeding Generations: On the Effects of Investments in Children." Russell Sage Foundation, 1994.

U.S. General Accounting Office. "Elementary School Children: Many Change Schools Frequently, Harming their Education." Gaithersburg, MD: U.S. General Accounting Office, February 1994.
Online: http://eric.ed.gov/ERICDocs/data/ericdocs2sql/content_storage_01/0000019b/80/29/ab/7c.pdf

1993

Hamilton, C.E., C. Howes. "The Changing Experience of Child Care: Changes in Teachers and in Teacher-Child Relationships and Children’s Social Competence with Peers." Early Childhood Research Quarterly 8 (1): 15-82. 1993.

1991

Haveman, R., B. Wolfe, J. Spaulding. "Childhood Events and Circumstances Influencing High School Completion." Demography 28 (1): 133-57. February 1991.

1987

Howes, C., P. Stewart. "Child’s Play with Adults, Toys and Peers: An Examination of Family and Child-Care Influences." Developmental Psychology 23: 423-430. 1987.

Impacts on the Elderly

2008

Apgar, William. "The Mortgage Market Meltdown and Older Americans." Presentation. Cambridge, MA: Joint Center for Housing Studies, 2008.
Click here for abstract.

Green, Heather. "Unretired: Retirees are Back, Looking for Work." Business Week. December 4, 2008.
Online: http://www.businessweek.com/magazine/content/08_50/b4112046151127.htm

Healy, Jack. "Unable to Sell Homes, Elderly Forgo Move to Assisted Living." New York Times. November 21, 2008.
Online: http://www.nytimes.com/2008/11/22/us/22home.html?_r=3

Shelton, Alison. "A First Look at Older Americans and the Mortgage Crisis." Insight on the Issues 9. Washington, DC: AARP Public Policy Institute, September, 2008.
Online: http://assets.aarp.org/rgcenter/econ/i9_mortgage.pdf

2006

Smith, Robin E., Kadija Ferryman. "Saying Good-Bye: Relocating Senior Citizens in the HOPE VI Panel Study." Metropolitan Housing and Communities: A Roof Over Their Heads 10. Washington DC: The Urban Institute, January 31, 2006.
Online: http://www.urban.org/publications/311279.html

1993

Rowles, Graham D. "Evolving Images of Place in Aging and ‘Aging in Place'." Generations 17 (2): 65-71. 1993.

1990

Ekstrom, M.E., B.D. Danermark. "Relocation and Health Effects in the Elderly." Journal of Sociology and Social Welfare 17 (1): 25-49. 1990.

1984

Golant, Stephen M. "A Place to Grow Old." New York NY: Columbia University Press, 1984.

Impacts on Renters

2011

Treves, Gabe. "California Renters in the Foreclosure Crisis, Third Annual Report." Tenants Together. San Francisco, CA: January 2011.
Online: http://tenantstogether.org/downloads/Third%20Annual%20Report,%20California%20Renters%20in%20the%20Foreclosure%20Crisis.pdf

2010

"Staying Home: The Rights of Renters Living in Foreclosed Properties." National Law Center on Homelessness & Poverty. Washington, DC: June 2010.
Online: http://www.nlchp.org/content/pubs/Staying%20Home_FINAL%207-29-10%20%28Utah%20Link%20changed%29.pdf

Treves, Gabe. "2010 Report: California Renters in the Foreclosure Crisis." Tenants Together. San Francisco, CA: May 2010.
Online: http://tenantstogether.org/downloads/2010%20Report-%20California%20Renters%20in%20the%20Foreclosure%20Crisis.pdf

2009

"Information for Tenants." Boston, MA: Mass.gov - Office of Consumer Affairs & Business Regulation, 2009.
Online: http://www.mass.gov/?pageID=ocaterminal&L=4&L0=Home&L1=Consumer&L2=Housing+Information&L3=Foreclosure+Resources&sid=Eoca&b=terminalcontent&f=foreclosure_tenant&csid=Eoca

"NLIHC Memo to Members." Memo to Members 14 (14). Washington DC: National Low Income Housing Coalition, April 10, 2009.
Online: http://www.nlihc.org/doc/Memo14-14.pdf

"Hidden Impact: California Renters in the Foreclosure Crisis." San Francisco: Tenants Together, March 2009.
Online: http://www.tenantstogether.org/downloads/ForeclosureReport.pdf

Been, Vicki, Allegra Glashausser. "Tenants: Innocent Victims of the Nation's Foreclosure Crisis." Albany Government Law Review 2 (1): 1-27. Albany, NY: 2009.
Online: http://www.albanygovernmentlawreview.org/articles/2/1/Glashausser.pdf
Click here for abstract.

Cunningham, Mary. "Renters Need Protection against Foreclosure Too.." Urban Institute. Washington, DC: February 2009.
Online: : http://www.foreclosure-response.org/assets/foreclosure-response/Cunningham_commentary.pdf

Fireside, Daniel. "Renters in the Crosshairs." Dollars&Sense 281. Boston: Dollars & Sense, March/April 2009.
Online: http://www.dollarsandsense.org/archives/2009/0309fireside.html

National Law Center on Homelessness & Poverty. "An Ounce of Prevention: Programs to Prevent Homelessness in 25 States." Washington DC: National Law Center on Homelessness & Poverty, February 25, 2009.
Online: http://www.nlchp.org/content/pubs/Ounce_of_Prevention1.pdf

National Law Center on Homelessness & Poverty, National Low Income Housing Coalition. "Without Just Cause: A 50-State Review of the (Lack of) Rights of Tenants in Foreclosure." Washington DC: National Law Center on Homelessness & Poverty, February 25, 2009.
Online: http://www.nlchp.org/content/pubs/Without_Just_Cause1.pdf

Pelletiere, Danilo. "Renters in Foreclosure: Defining the Problem, Identifying Solutions." Washington DC: National Low Income Housing Coalition, January 2009.
Online: http://www.nlihc.org/doc/renters-in-foreclosure.pdf

Tatian, Peter. "Foreclosures and Renters in Washington, D.C.." Washington, D.C.: The Urban Institute, April 24, 2009.
Online: http://www.neighborhoodinfodc.org/pdfs/411882_DC%20RentersandForeclosures.pdf

2008

""Out Loud” podcast with Danilo Pelletiere." HousingPolicy.org. November 2008.
Online: http://www.housingpolicy.org/mp3s/14.Renters_and_Foreclosures-Nov_08.mp3

"Patrick Administration Provides New Resource To Assist Tenants Impacted By Foreclosure." Boston, MA: Mass.gov - Office of Consumer Affairs & Business Regulation, December 9, 2008.
Online: http://www.mass.gov/?pageID=ocapressrelease&L=4&L0=Home&L1=Consumer&L2=Housing+Information&L3=Foreclosure+Resources&sid=Eoca&b=pressrelease&f=081209_tenantsrights&csid=Eoca

Birnberg, Paul. "Basics of Mortgage Foreclosure and Contract-for-Deed Cancellation for Tenants." Minneapolis, MN: Home Line, August 1, 2008.
Online: http://www.homelinemn.org/downloads/Basics%20of%20Mortgage%20Foreclosure%20and%20Contract%20for%20Deed%20Cancellation.4.pdf

Furman Center. "New Analysis of NYC Foreclosure Data Reveals 15,000 Renter Households Living in Buildings that Entered Foreclosure in 2007." New York: Furman Center for Real Estate and Urban Policy, NYU, April 2008.
Online: http://www.knowledgeplex.org/showdoc.html?id=1931801
Click here for abstract.

Gomez, Alan. "More governments coming to evicted renters' rescue." USA Today. October 27, 2008.
Online: http://www.usatoday.com/money/economy/housing/2008-10-26-Evictions_N.htm

Green, C. "Tenant Eviction Records." Session Weekly 25 (9): 9. St. Paul, MN: Minnesota House of Representatives, Public Information Svcs, April 11, 2008.
Online: http://www.house.leg.state.mn.us/hinfo/swkly/2007-08/sw908.pdf

Joint Center for Housing Studies. "America's Rental Housing: The Key to a Balanced National Policy." Cambridge, MA: Graduate School of Design and Harvard Kennedy School, 2008.
Online: http://www.jchs.harvard.edu/publications/rental/rh08_americas_rental_housing/index.html

Pelletiere, Danilo, Keith Wardrip. "Renters and the Housing Credit Crisis." Poverty & Race 17 (4). July-August 2008.
Click here for abstract.

Wardrip, Keith E., Danilo Pelletiere. "Properties, Units, and Tenure in the Foreclosure Crisis: An Initial Analysis of Properties at the End of the Foreclosure Process in New England." Washington, DC: National Low Income Housing Coalition, May 8, 2008.
Online: http://www.nlihc.org/doc/RN-08-01-Multi-Unit-Foreclosure-FINAL-05-06-08.pdf

Woodstock Institute. "Foreclosure Crisis Impacts Chicago's Rental Housing Market." May 2008.
Online: http://www.woodstockinst.org/publications/download/foreclosure-crisis-impacts-chicago%27s-rental-housing-market/

Woodstock Institute. "2007 Foreclosure Report: Foreclosures Continue to Grow at an Alarming Rate." Woodstock Institute, March 2008.
Online: http://www.woodstockinst.org/publications/download/2007-foreclosure-report/

2007

Portman, Janet. "Renters in Foreclosure: What Are Their Rights?." NOLO.org, 2007.
Online: http://www.nolo.com/article.cfm/ObjectID/B8CE60DC-0D00-4E6B-8DC71AF1165C89EA/

Todorova, Aleksandra. "Renters Face Eviction as Lenders Foreclose on Properties." SmartMoney.com. November 27, 2007.
Online: http://www.smartmoney.com/spending/deals/renters-face-eviction-as-lenders-foreclose-on-properties-22188/?hpadref=1

Impacts on Neighborhoods

Declining Property Values, Physical Deterioration

2010

Frame, Scott W. "Estimating the Effect of Mortgage Foreclosures on Nearby Property Values: A Critical Review of the Literature." Chicago: Federal Reserve Bank of Chicago, June 2010.
Online: http://www.chicagofed.org/digital_assets/others/communities/foreclosure_resource_center/more_frame_externalities.pdf

Furman Center for Real Estate and Urban Policy. "Foreclosed Properties in NYC: A Look at the Last 15 Years." New York: Furman Center for Real Estate and Urban Policy, January 2010.
Online: http://furmancenter.org/files/publications/Furman_Center_Fact_Sheet_on_REO_Properties.pdf

Treuhaft, Sarah, Kalima Rose, Karen Black, PolicyLink. "When Investors Buy Up the Neighborhood: Strategies to Prevent Investor Ownership from Causing Neighborhood Decline." Oakland: PolicyLink, April 2010.
Online: http://www.policylink.org/site/apps/nlnet/content2.aspx?c=lkIXLbMNJrE&b=5136581&ct=8313075&msource=neighborhood

2009

Living Cities. "Communities At Risk: How the Foreclosure Crisis is Damaging Urban Areas and What is Being Done About it." Washington, D.C.: Living Cities, December 2009.
Online: http://backend.livingcities.org/_backend.livingcities.org/files/Living_Cities-communities-at-risk.pdf

Nelson, Kris. "Neighborhood Responses to the Foreclosure Crisis." Minneapolis: The CURA Reporter, 2009.
Online: http://www.cura.umn.edu/reporter/09-Spr-Summ/Nelson.pdf

2008

Been, Vicki. "External Effects of Concentrated Mortgage Foreclosures: Evidence from New York City." Testimony before the Subcommittee on Domestic Policy, Committee on Oversight and Government Reform. U.S. House of Representatives. Washington, DC: House of Representatives, May 21, 2008.
Online: http://oversight.house.gov/documents/20080522105505.pdf
Click here for abstract.

Calomiris, Charles W., Stanley D. Longhofer, William Miles. "The Link Between Foreclosures and House Prices." NBER Working Paper Series. Cambridge, MA: NBER, September 2008.
Online: http://www.nber.org/papers/w14294.pdf
Click here for abstract.

Coulton, Claudia, Michael Schramm, April Hirsh. "Beyond REO: Property Transfers at Extremely Distressed Prices in Cuyahoga County, 2005-2008." Cleveland OH: Center on Urban Poverty and Community Development, Case Western Reserve University, December 2008.
Online: http://blog.case.edu/msass/2008/12/09/20081209_beyond_reo_final.pdf

Ding, Lei, Roberto G. Quercia, Janneke Ratcliffe. "Spillover Effect of Neighborhood Subprime Lending." Paper presented at the American Real Estate and Urban Economics Association Meeting. May 27, 2008.
Online: http://www.ccc.unc.edu/documents/Spillover_SetonHall_DingQuerciaRatcliff_final.pdf

Harding, John, Eric Rosenblatt, Vincent Yao. "Contagion Effect of Foreclosed Properties." University of Connecticut, July 15, 2008.
Online: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1160354
Click here for abstract.

Lee, Kai-yan. "Research Review: Spillover Effects of Foreclosures on Communities." New England Community Developments 2008 (2): 10-11. Boston, MA: Federal Reserve Bank of Boston, 2008.
Online: http://www.bos.frb.org/commdev/necd/2008/issue2/researchreview.pdf

Leonard, Tammy, Jim Murdoch. "Homeownership, Foreclosures and Neighborhood Quality." Paper presented at the American Real Estate and Urban Economics Association Meeting. May 27, 2008.

Mikelbank, Brian A. "Spatial Analysis of the Impact of Vacant, Abandoned and Foreclosed Properties." Cleveland, OH: Federal Reserve Bank of Cleveland, November 2008.
Online: http://www.clevelandfed.org/Community_Development/publications/Spatial_Analysis_Impact_Vacant_Abandoned_Foreclosed_Properties.pdf

RCLO. "Responding to the Foreclosure Crisis: Analysis of Home Sale Prices and Appraised Home Values in High Foreclosure Rate Neighborhoods." Atlanta: Atlanta Neighborhood Development Partnership, Inc., 2008.
Online: http://www.andpi.org/UpdatedTaxReport.pdf

Rogers, William H., William Winter. "The Impact of Foreclosures on Neighboring Housing Sales." Paper presented at the American Real Estate and Urban Economics Association Meeting. May 27, 2008.

2007

Lin, Zhenguo, Eric Rosenblatt, Vincent Yao. "Spillover Effects of Foreclosures on Neighborhood Property Values." Journal of Real Estate Finance and Economics 38 (4). Springer Netherlands, October 17, 2007.
Online: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1033437

2006

Immergluck, Dan, Geoff Smith. "The External Costs of Foreclosure: The Impact of Single-Family Mortgage Foreclosures on Property Values." Housing Policy Debate 17 (1): 57-79. Washington, DC: Fannie Mae Foundation, 2006.
Online: http://content.knowledgeplex.org/kp2/cache/documents/1860/186040.pdf
Click here for abstract.

2001

McCarthy, G., S. Vanzandt, W. Rohe. "The Economic Benefits and Costs of Homeownership: A Critical Assessment of the Research." Working Paper 01-02. Washington DC: Research Institute for Housing America, May 2001.

Crime, Social Disorder, Population Turnover

2008

"Home Foreclosures." Geography & Public Safety 1 (3). Washington, DC: National Institute of Justice and COPS, US DOJ, October 2008.
Online: http://www.ojp.usdoj.gov/BJA/pdf/Geog_PubSafety_10_08.pdf

Johnson, Kevin. "Police agencies fear more crime in financial crisis." USA Today. October 16, 2008.
Online: http://www.usatoday.com/news/nation/2008-10-16-crime-economy_N.htm?loc=interstitialskip&POE=click-refer
Click here for abstract.

Miroff, Nick. "Foreclosures Open Door To Disorder." The Washington Post: A1. October 28, 2008.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2008/10/27/AR2008102703252.html

Mummolo, Jonathan, Bill Brubaker. "As Foreclosed Homes Empty, Crime Arrives." Washington Post. Washington, DC: Washington Post, April 27, 2008.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2008/04/26/AR2008042601288_pf.html

2005

Immergluck, Daniel, Geoff Smith. "The Impact of Single-Family Mortgage Foreclosures on Neighborhood Crime." Chicago: Federal Reserve Bank of Chicago, 2005.
Online: http://www.chicagofed.org/cedric/files/2005_conf_paper_session1_immergluck.pdf
Click here for abstract.

Local Government Fiscal Stress, Deterioration of Services

2008

Garber, Roberta, Jung Kim, Kerry Sullivan, Eben Dowell. "$60 Million and Counting: The Cost Of Vacant And Abandoned Properties To Eight Ohio Cities." Columbus, OH: Community Research Partners, February 2008.
Online: http://www.communityresearchpartners.org/14651.cfm?action=detail&id=117

McFarland, Christiana, William McCahan. "Housing Finance and Foreclosures Crisis: Local Impacts and Responses." Research Brief of America's Cities 2008 (1). National League of Cities, April 2008.
Online: http://www.nlc.org/ASSETS/580A9E2DD59E42809E3C4FBBD6AC1A99/PARHousingRB2008.pdf

Pagano, Michael A., Christopher W. Hoene. "City Fiscal Conditions in 2008." Research Brief of America's Cities 2008 (2). National League of Cities, September 2008.
Online: http://nlc.org/ASSETS/A49C86122F0D4DBD812B91DD5777F04D/CityFiscal_Brief_08-FINAL.pdf

2005

Apgar, William C., Mark Duda. "Collateral Damage: The Municipal Impact of Today’s Mortgage Foreclosure Boom." Minneapolis, MN: Homeownership Preservation Foundation, May 11, 2005.
Online: http://www.995hope.org/content/pdf/Apgar_Duda_Study_Short_Version.pdf
Click here for abstract.

Variations in Impacts for Different Types of Neighborhoods

2010

Bocian, Debbie Gruenstein, Wei Li, Keith S. Ernst. "Foreclosures by Race and Ethnicity: The Demographics of a Crisis." Durham: Center for Responsible Lending, June 2010.
Online: http://www.responsiblelending.org/mortgage-lending/research-analysis/foreclosures-by-race-and-ethnicity.html
Click here for abstract.

2009

Betts, Phyllis, Carol Gothe. "Smart Strategies for Neighborhood Stabilization in a Post-Subrime Environment." Memphis: Center for Community Building and Neighborhood Action, University of Memphis, 2009.
Online: http://cbana.memphis.edu/Lending2007/documents/HMDA_2007_ReportToView.pdf

Community Research Partners. "Sheriff’s Sales in Franklin County: A Growing Share of the Housing Market." CRP Data Byte: 1-6. Columbus: Community Research Partners, July 2009.
Online: http://www.communityresearchpartners.org/uploads/DataBytes/Sheriffs_Sales_DataByte3.pdf

Gradeck, Bob. "Foreclosures and their Impact in the Pittsburg Regional Economy." Pittsburg Economic Quarterly: 1, 6-8. Pittsburgh: University of Pittsburgh, June 2009.
Online: http://www.ucsur.pitt.edu/files/peq/peq_2009-06.pdf

Mallach, Alan. "Addressing Ohio's Foreclosure Crisis: Taking Next Steps." Washington DC: Brookings Institution, June 5, 2009.
Online: http://www.brookings.edu/~/media/Files/rc/papers/2009/0605_ohio_foreclosure_mallach/0605_ohio_foreclosure_report.pdf
Click here for abstract.

Pettit, Kathryn L.S., G. Thomas Kingsley. "Neighborhood Patterns of Subprime Lending and the Influence of Metropolitan Context." Washington DC: The Urban Institute, 2009.

2008

Coulton, Claudia, Kristen Milelbank, Michael Schramm. "Foreclosure and Beyond: A report on ownership and housing value following sheriff's sales, Cleveland and Cuyahoga County, 2000-07." January, 2008.
Online: http://blog.case.edu/msass/2008/01/13/Foreclosure_and_Beyond_final.pdf
Click here for abstract.

2006

2004

Calem, Paul S., Kevin Gillen, Susan Wachter. "The Neighborhood Distribution of Subprime Mortgage Lending." The Journal of Real Estate Finance and Economics 29 (4): 393-410. 2004.

2002

Berube, Alan, Benjamin Forman. "Living on the Edge: Decentralization Within Cities in the 1990s." Washington DC: Brookings, October 2002.
Online: http://www.brookings.edu/reports/2002/10demographics.aspx

Determinants of Foreclosure Patterns

2011

"2011 Federal Reserve Community Affairs Research Conference." Federal Reserve Board of Governors, April 2011.
Online: http://www.frbsf.org/community/conferences/2011ResearchConference/agenda.html

2010

Jayasundera, Tamara, Joshua Silver, Katrin Anacker, Denitza Mantcheya. "Foreclosures in the Nation's Capital: How Unfair and Reckless Lending Undermines Homeownership." District of Columbia: National Community Reinvestment Coalition, 2010.
Online: http://www.ncrc.org/index.php?option=com_content&view=category&layout=blog&id=25&Itemid=76
Click here for abstract.

Lawrence, Ross, Brent C. Smith. "The Effects of Local Demographic Characteristics and State-Level Legislation on Foreclosure Rates." Economic Brief EB10 (09). Richmond: The Federal Reserve Bank of Richmond, September 2010.
Online: http://www.richmondfed.org/publications/research/economic_brief/2010/pdf/eb_10-09.pdf

Robinson, Breck L., Richard M. Told. "The Role of Non-Owner-Occupied Homes in the Current Housing and Foreclosure Cycle." Richmond Federal Bank Reserve 10-11. Richmond: Federal Bank Reserve of Richmond, June 2010.
Online: http://www.richmondfed.org/publications/research/working_papers/2010/wp_10-11.cfm http://www.richmondfed.org/publications/research/working_papers/2010/wp_10-11.cfm
Click here for abstract.

Rugh, Jacob S., Douglas S. Massey. "Racial Segregation and the American Foreclosure Crisis." American Sociological Review 75 (5): 629. October 2010.

Rugh, Jacob S., Douglas S. Massey. "Racial Segregation and the American Foreclosure Crisis." American Sociological Review 75 (5): 629-651. American Sociological Association, October 2010.
Online: http://www.asanet.org/images/journals/docs/pdf/asr/Oct10ASRFeature.pdf

2009

Ellen, Ingrid Gould. "The Foreclosure Crisis in NYC: Patterns, Origins, and Solutions." Furman Center, New York University, June 2009.
Online: http://furmancenter.org/files/testimonies/HDC_06_23_09.pdf

2008

Mayer, Christopher J., Karen Pence. "Subprime Mortgages: What, Where, and to Whom?." Cambridge, MA: National Bureau of Economic Research, June 2008.
Online: http://www.nber.org/papers/w14083
Click here for abstract.

2007

Grover, Michael, Laura Smith, Richard M. Todd. "Targeting Foreclosure Interventions: An Analysis of Neighborhood Characteristics Associated with High Foreclosure Rates in Two Minnesota Cities." Federal Reserve Bank of Minneapolis Community Affairs Report. Minneapolis, MN: Federal Reserve Bank of Minneapolis, June 2007.
Online: http://woodrow.mpls.frb.fed.us/publications_papers/pub_display.cfm?id=1132

2004

Calem, Paul S., Jonathan E. Hershaff, Susan M. Wachter. "Neighborhood Patterns of Subprime Lending: Evidence from Disparate Cities." Housing Policy Debate 15 (3): 603-622. Washington, DC: Fannie Mae Foundation, 2004.
Online: http://www.mi.vt.edu/data/files/hpd%2015(3)/hpd%2015(3)_article_calem.pdf

Develop a Coordinated Foreclosure Response Strategy

Get Organized for Foreclosure Response

2010

"The Federal Reserve Conference of President's Mortgage Outreach and Research Efforts: Responding to the Foreclosures Crisis An Interim Report." Richmond: Federal Bank Reserve of Richmond, June 2010.
Online: http://www.richmondfed.org/community_development/resource_centers/foreclosure/research_and_pubs/index.cfm#tabview=tab2

Nonprofit Roundtable of Greater Washington, Metropolitan Washington Council of Governments. "Capital Area Foreclosure Network." April 2010.
Online: http://www.capitalareaforeclosurenetwork.org/

2009

Kingsley, G. Thomas, Kathryn L.S. Pettit, Leah Hendey. "Addressing the Foreclosure Crisis: Action Oriented Research in Three Cities." Washington, D.C.: The Urban Institute, December 2009.
Online: http://www.urban.org/UploadedPDF/412001_addressingforeclosure.pdf

Nelson, Kris. "Neighborhood Responses to the Foreclosure Crisis." Minneapolis: The CURA Reporter, 2009.
Online: http://www.cura.umn.edu/reporter/09-Spr-Summ/Nelson.pdf

Nelson, Kris. "Neighborhood Responses to the Foreclosure Crisis." Minneapolis, MN: Center for Urban and Regional Affairs, Spring/Summer 2009.
Online: http://www2.urban.org/nnip/pdf/Foreclosure_Symposium.pdf

Pettit, Kathryn L.S. "Case Study: Organizing for Action in Kent County, Michigan." Foreclosure-Response.org, September 2009.
Online: http://www.foreclosure-response.org/policy_guide/coordinated_response.html?tierid=315

Rich, Michael J., Michael Carnathan, Dan Immergluck. "Addressing the Foreclosure Crisis in Three NNIP Cities: Action-oriented Research in Metropolitan Atlanta.." Atlanta GA: Emory University and the Atlanta Regional Commission, May 2009.
Online: http://www2.urban.org/nnip/subprime/Atlanta%20Foreclosure%20Work%20Plan.pdf

The Urban Institute. "Regional NSP Application for the Metropolitan Washington D.C. Area Consortium." 08/27/2009.
Online: http://www.foreclosure-response.org/policy_guide/coordinated_response.html?tierid=313

The Urban Land Institute. "Maximizing the Neighborhood Stabilization Program Opportunity: Six Guiding Tenets for Implementation." Washington, DC: Urban Land Institute, 2009.
Online: http://www.uli.org/ProfessionalDevelopment/~/media/CommunityBuilding/Urban%20Initiatives/Shaw%20Forum/shaw%206%20tenents2010%2020pg%20FF.ashx

2008

"Minnesota Foreclosure Partners Council." February 6, 2008.
Online: http://www.ci.minneapolis.mn.us/cped/docs/mfpc_info.pdf

Pierson, Julia. "Evaluation of the Baltimore Homeownership Preservation Coalition Activities in 2005, 2006, and 2007." 2008.
Click here for abstract.

Verrilli, Ann. "Massachusetts Foreclosed Properties Task Force: A Report on Its Accomplishments, Recommendations for Next Steps and Lessons for Addressing Future Crises.." Citizens’ Housing and Planning Association, September 24, 2008.
Online: http://www.chapa.org/pdf/FinalForeclosedPropertiesTaskForceReport.pdf

2007

"Ohio Foreclosure Prevention Task Force: Final Report." Ohio Foreclosure Prevention Task Force, September 10, 2007.
Online: http://www.com.state.oh.us/admn/pub/FinalReport.pdf

"Nonprofit Set to Help At-Risk Homeowners." Far Rockaway, NY: The Wave, December 7, 2007.
Online: http://www.rockawave.com/news/2007/1207/community/055.html

Essene, Ren S., William Apgar. "Understanding Mortgage Market Behavior: Creating Good Mortgage Options for All Americans." Cambridge, MA: Joint Center for Housing Studies, Harvard University, April 25, 2007.
Online: http://www.jchs.harvard.edu/publications/finance/mm07-1_mortgage_market_behavior.pdf
Click here for abstract.

Ohio Department of Commerce. "Inaugural Meeting of Ohio Foreclosure Prevention Task Force Set." 2007.

Schiller, Zach. "Foreclosure Growth in Ohio 2007." Cleveland, OH: Policy Matters Ohio, March 2007.
Online: http://www.policymattersohio.org/ForeclosureGrowthOhio2007.htm

Strengthen the Metropolitan Policy and Regulatory Environment

2010

Merle, Renae. "Federal aid is forestalling only a fraction of foreclosures, report says." Washington, DC: The Washington Post, April 15, 2010.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2010/04/14/AR2010041404336.html

National Community Reinvestment Coalition. "Foreclosure Rescue Scams: A Nightmare Complicating the American Dream." Washington, DC: National Community Reinvestment Coalition, March 2010.
Online: http://www.ncrc.org/images/stories/pdf/research/foreclosure%20rescue%20scams%20-%20%20nightmare%20complicating%20the%20american%20dream.pdf

2009

Harney, Kenneth R. "Congress Takes A Serious Look At Reforming the Mortgage Market." Washington DC: The Washington Post, April 4, 2009.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2009/04/03/AR2009040301580.html

2008

King, Austin. "Towards a New State-Federal Partnership in Foreclosure Prevention." Social Policy 38 (3): 32-37. Spring/Summer 2008.

Mallach, Alan. "Tackling the mortgage crisis: 10 action steps for state government." Washington, DC: Brookings Institution, May 2008.
Online: http://www.brookings.edu/papers/2008/0529_mortgage_crisis_vey.aspx
Click here for abstract.

Pew Charitable Trusts. "Defaulting on the Dream: States Respond to America’s Foreclosure Crisis." Washington, DC: Pew Charitable Trusts, April 2008.
Online: http://www.pewtrusts.org/our_work_report_detail.aspx?id=37964
Click here for abstract.

Develop a Local Action Strategy

2010

Mallach, Alan. "Meeting The Challenge Of Distressed Property Investors In America’s Neighborhoods." New York, NY: LISC, 2010.
Online: http://www.lisc.org/docs/publications/102010_Distressed_Property_Investors.pdf

2009

Comptroller of the Currency Administrator of National Banks. "Neighborhood Stabilization: Local Partnerships are Rebuilding Communities." Community Developments: The OCC's Community Affairs Newsletter. Washington, D.C.: U.S. Department of the Treasury, Fall 2009.
Online: http://www.occ.gov/cdd/CD_News_fall_2009.pdf

Hendey, Leah. "Case Study: Regional NSP Application for the Metropolitan Washington D.C. Area Consortium." August 27, 2009.
Online: http://www.foreclosure-response.org/policy_guide/coordinated_response.html?tierid=313

2008

Baker, Dean, Danilo Palletiere, Hye Jin Rho. "The Cost of Maintaining Ownership in the Current Crisis: Comparisons in 20 Cities." Washington, DC: Center for Economic and Policy Research, April 2008.
Online: http://www.cepr.net/index.php/publications/reports/the-cost-of-maintaining-ownership-in-the-current-crisis/

Columbus and Franklin County Foreclosure Working Group. "Prevention and Recovery Advisory Plan." Columbus, OH: Community Research Partners, October 2008.
Online: http://communityresearchpartners.org/uploads/publications/Foreclosure_Plan_2008.pdf
Click here for abstract.

Coulton, Claudia, Tsui Chan, Michael Schramm, Kristen Mikelbank. "Pathways to Foreclosure: A Longitudinal Study of Mortgage Loans, Cleveland and Cuyahoga County, 2005-2008." Cleveland, OH: Center on Urban Poverty and Community Development, Case Western Reserve University, June, 2008.
Online: http://blog.case.edu/msass/2008/06/23/Pathways_to_foreclosure_6_23.pdf
Click here for abstract.

Immergluck, Dan. "Community Response to the Foreclosure Crisis: Thoughts on Local Interventions." Atlanta, GA: Federal Reserve Bank of Atlanta, 2008.
Online: http://www.stablecommunities.org/sites/www.stablecommunities.org/files/CommunityResponse_Immergluck.pdf
Click here for abstract.

Immergluck, Dan, Yun Sang Lee. "An Analysis of Foreclosure Notice Activity in the 5-County Atlanta Metropolitan Area and in City of Atlanta Neighborhood Planning Units V, X and Y from June 2007 to May 2008." Report submitted to the Annie E. Casey Foundation Civic Site. Annie E. Casey Foundation, August 2008.

Living Cities. "Mitigating the Impact of Concentrated Foreclosures on Neighborhoods." Living Cities, 2008.
Online: http://www.livingcities.org/2008_files/Living_Cities_Mitigating_Impact.pdf

Mallach, Alan. "How to Spend $3.92 Billion: Stabilizing Neighborhoods by Addressing Foreclosed and Abandoned Properties." Philadelphia, PA: Federal Reserve Bank of Philadelphia, October 2008.
Online: http://www.philadelphiafed.org/community-development/publications/discussion-papers/DiscussionPapers_Mallach_10_08_final.pdf
Click here for abstract.

Mallach, Alan. "Managing Neighborhood Change: A Framework for Sustainable and Equitable Revitalization." National Housing Institute, April 2008.
Online: http://www.nhi.org/research/521/managing_neighborhood_change/

Mallach, Alan. "Thinking Strategically About the NSP Program." The 2008 Federal Community Stabilization Grants. KnowledgePlex Expert Chat, October 2, 2008.
Online: http://content.knowledgeplex.org/kp2/cache/documents/24449/2444911.ppt

Minnesota Foreclosure Partners Council. "The Coordinated Plan to Address Foreclosures." 2008.
Online: http://www.gmhf.com/programs/foreclosure/downloads/coordinated-plan-to-address.pdf

SAVI (Social Assets and Vulnerability Indicators). "Exploring Subprime Lending Patterns." SAVI Connections 15. Central Indiana: SAVI, May 15, 2008.
Online: http://www.savi.org/savii/whatsnew/Newsletters/05152008.pdf

Swanstrom, T. "Cleveland: Remarkable Resilience in the Face of an Overwhelming Challenge." Unpublished essay. September 24, 2008.

Temkin, Kenneth, Peter A. Tatian, Beata Bajaj, Justin Resnick. "Foreclosure Intervention Gap Analysis for Washington DC." Washington, DC: The Urban Institute, for the Center for Responsible Lending, January 2008.
Online: http://www.urban.org/UploadedPDF/411709_dc_subprime_mortgage.pdf

Tetreault, Janna, Ann Verrilli. "Addressing the Foreclosure Crisis: State and Federal Initiatives in Massachusetts." Boston MA: Citizens' Housing and Planning Association, March 2008.
Online: http://www.chapa.org/pdf/StateandFederalForeclosureInitiatives08.pdf
Click here for abstract.

2007

Goldstein, Ira J. "Lost Values: A Study of Predatory Lending in Philadelphia." Philadelphia, PA: The Reinvestment Fund, April 2007.
Online: http://www.trfund.com/resource/downloads/policypubs/Lost_Values.pdf

Pierce, Stephanie Casey, Kheng Mei Tan. "State Strategies to Address Foreclosures." Washington DC: NGA Center for Best Practices, September 19, 2007.
Online: http://www.nga.org/Files/pdf/0709FORECLOSURES.PDF
Click here for abstract.

2006

Betts, Phyllis. "Neighborhood Housing Markets and the Memphis Model: Linking Information to Neighborhood Action in Memphis, Tennessee." Washington, DC: Brookings Institution, November 2006.
Online: http://www.brookings.edu/reports/2006/11communitydevelopment_betts.aspx

Li, Wei, Keith S. Ernst. "The Best Value in the Subprime Market: State Predatory Lending Reforms." Center for Responsible Lending, February 23, 2006.
Online: http://www.responsiblelending.org/pdfs/rr010-State_Effects-0206.pdf
Click here for abstract.

Tatian, Peter A. "District of Columbia Housing Monitor." Washington, DC: NeighborhoodInfo DC, Fall 2006.
Online: http://www.neighborhoodinfodc.org/housing/
Click here for abstract.

2005

"Effective Community-Based Strategies for Preventing Foreclosures." Washington DC: NeighborWorks America, September 2005.
Online: http://www.nw.org/Network/pubs/studies/documents/foreclosureReport092905.pdf
Click here for abstract.

2004

Apgar, William, Mark Duda. "Preserving Homeownership: Community-Development Implications of the New Mortgage Market." Chicago, IL: Neighborhood Housing Services of Chicago, NeighborWorks, March 25, 2004.
Online: http://www.nw.org/network/neighborworksProgs/foreclosuresolutionsOLD/documents/preservingHomeownershipRpt.pdf
Click here for abstract.

Assess Progress

2010

Federal Reserve of Richmond. "Neighborhood Stabilization Program: Best Practices in Early Implementation and Course Correction Webinar- Presentation Slides." Slides. District of Columbia: Neighborhood Stabilization Program, June 2010.
Online: http://hudnsphelp.info/index.cfm?do=viewResource&ResourceID=579
Click here for abstract.

Gerardi, Kristopher, Wehli Li. "Mortgage Foreclosure Prevention Efforts." Chicago: Federal Reserve Bank of Chicago, June 2010.
Online: http://www.chicagofed.org/digital_assets/others/communities/foreclosure_resource_center/more_loan_modification.pdf

2009

Neil Mayer, Kenneth Temkin. "Evaluation of the Living Cities Foreclosure Mitigation Initiative." Washington, D.C.: The Urban Institute, November 2009.
Online: http://www.livingcities.org/download/?id=42

2008

"National Foreclosure Mitigation Counseling Program Congressional Update." October 30, 2008.
Online: http://www.nw.org/network/nfmcp/documents/NFMC_CR_Final.pdf

Gass, Anne. "Post-Foreclosure Community Stabilization Strategies: Case Studies and Early Lessons, 2008." Prepared for NeighborWorks America. NeighborWorks America, 2008.
Online: http://www.stablecommunities.org/sites/www.stablecommunities.org/files/Community%20Stabilization%20Case%20Studies%20Report_NWA2008_0.pdf

Mayer, Neil, Peter A. Tatian, Kenneth Temkin, Elizabeth Guernsey, Leah Hendey. "National Foreclosure Mitigation Counseling Program Evaluation: Interim Report #1." Washington DC: The Urban Institute, October 20, 2008.
Online: http://www.nw.org/network/nfmcp/documents/NFMC_CR_Final.pdf

2006

Neighborhood Housing Services of Chicago. "Home Ownership Preservation Initiative Partnership Lessons and Results: Three Year Final Report." Chicago IL: Home Ownership Preservation Initiative, July 17, 2006.
Online: http://www.nhschicago.org/downloads/82HOPI3YearReport_Jul17-06.pdf
Click here for abstract.

2005

Quercia, Roberto G., Spencer M. Cowan, Ana B. Moreno. "The Cost-Effectiveness of Community-Based Foreclosure Prevention." Minneapolis, MN: Family Housing Fund, December 8, 2005.
Online: http://www.fhfund.org/_dnld/reports/MFP_Full-Report.pdf

2004

Neighborhood Housing Services of Chicago, Inc. "Midterm Report for the Homeownership Preservation Initiative." Chicago, IL: Neighborhood Housing Services of Chicago, December 2004.
Online: http://content.knowledgeplex.org/kp2/cache/documents/90881.pdf

1995

Moreno, Ana. "Cost Effectiveness of Mortgage Foreclosure Prevention: Summary of Findings." Minneapolis, MN: Family Housing Fund, November 1995.
Online: http://www.fhfund.org/_dnld/reports/MFP_1995.pdf

Prevent Foreclosures, Keep Families in Their Homes

2011

"2011 Federal Reserve Community Affairs Research Conference." Federal Reserve Board of Governors, April 2011.
Online: http://www.frbsf.org/community/conferences/2011ResearchConference/agenda.html

Li, Wei, Sonia Garrison. "Fix or Evict? Loan Modifications Return More Value Than Foreclosures." Washington, DC: Center for Responsible Lending, March 22, 2011.
Online: http://www.responsiblelending.org/mortgage-lending/research-analysis/fix-or-evict.pdf

2010

"Federal Reserve Bank of New York Foreclosure Resource Center." 2010.
Online: http://www.newyorkfed.org/regional/foreclosure_resource_center.html

Collins, J. Michael, Carolina Reid. "Who Receives a Mortgage Modification? Race and Income Differentials in Loan Workouts." Federal Reserve Bank of San Francisco - Working Papers 2010 (07). San Francisco: Federal Reserve Bank of San Francisco, December 2010.
Online: http://www.frbsf.org/publications/community/wpapers/2010/who-receives-mortgage-modification.html
Click here for abstract.

Fields, Desiree, Kimberly Libman, Susan Saegert. "Turning Everywhere, Getting Nowhere: Experiences of Seeking Help for Mortgage Delinquency and Their Implications for Foreclosure Prevention." Housing Policy Debate 20 (4): 647-686. 2010.

Gabriel, Leo T., Richard M. Todd. "Minnesota Home Ownership Center case study illuminates costs of foreclosure counseling." Minneapolis: The Federal Reserve Bank of Minneapolis, April 2010.
Online: http://www.minneapolisfed.org/publications_papers/pub_display.cfm?id=4398

Immergluck, Dan. "State Foreclosure Mitigation Strategies: A Comparison of Round 1 and 2 Hardest Hit Fund Plans in States with Nonjudicial Foreclosure Processes." October 2010.
Online: http://ssrn.com/abstract=1695217

Mulligan, Casey B. "Foreclosures, Enforecment, and Collections under the Federal Mortgage." National Bureau of Economic Reserch. Cambridge: The National Bureau of Economic Research, February 2010.
Online: http://papers.nber.org/papers/w15777
Click here for abstract.

National Community Reinvestment Coalition. "HAMP (The Home Affordable Modification Program) Mortgage Modification Survey 2010." District of Columbia: National Community Reinvestment Coalition, 2010.
Online: http://www.ncrc.org/index.php?option=com_content&view=article&id=562:ncrcs-2010-survey-on-the-home-affordable-mortgage-program-hamp&catid=25:reports-and-research-library&Itemid=76
Click here for abstract.

National Community Reinvestment Coalition. "HAMP Mortgage Modification Survey 2010." Washington, DC: 2010.
Online: http://www.ncrc.org/images/stories/mediaCenter_reports/hamp_report_2010.pdf

National Community Reinvestment Coalition. "Foreclosure Rescue Scams: A Nightmare Complicating the American Dream." District of Columbia: National Community Reinvestment Coalition, March 2010.
Online: http://www.ncrc.org/images/stories/pdf/research/foreclosure%20rescue%20scams%20-%20%20nightmare%20complicating%20the%20american%20dream.pdf
Click here for abstract.

National Community Reinvestment Coalition. "HAMP Mortgage Modification Survey 2010." Washington, DC: 2010.
Online: http://www.ncrc.org/images/stories/mediaCenter_reports/hamp_report_2010.pdf

NeighborWorks America®. "Loan Modification Scam Alert." NeighborWorks America®, 2010.
Online: http://www.loanscamalert.org/

The Lawyers Committee for Civil Rights Under the Law. "Prevent Loan Scams." The Lawyers Committee for Civil Rights Under the Law, 2010.
Online: http://www.preventloanscams.org/

U.S. Department of the Treasury, U.S. Department of Housing and Urban Development. "Making Home Affordable." 2010.
Online: http://makinghomeaffordable.gov/

2009

"Legal Services Corporation." 2009.
Online: http://www.lsc.gov/

"NLIHC Memo to Members." Memo to Members 14 (14). Washington DC: National Low Income Housing Coalition, April 10, 2009.
Online: http://www.nlihc.org/doc/Memo14-14.pdf

"Homeownership Preservation Foundation." 2009.
Online: http://www.995hope.org/

"New Mexico Regulation and Licensing Department, Financial Institutions Division." 2009.
Online: http://www.rld.state.nm.us/FID/loanabuse.html

Adelino, Manuel, Kristopher Gerardi, Paul S. Willen. "Why Don't Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures, and Securitization." Public Policy Discussion Papers. Boston: Federal Reserve Bank of Boston, July 2009.
Online: http://www.bos.frb.org/economic/ppdp/2009/ppdp0904.pdf

Fireside, Daniel. "Renters in the Crosshairs." Dollars&Sense 281. Boston: Dollars & Sense, March/April 2009.
Online: http://www.dollarsandsense.org/archives/2009/0309fireside.html

Jakabovics, Andrew, Alon Cohen. "It’s Time We Talked: Mandatory Mediation in the Foreclosure Process." Washington, DC: Center for American Progress, June 2009.
Online: http://www.americanprogress.org/issues/2009/06/pdf/foreclosure_mediation.pdf

Mayer, Neil S., Peter A. Tatian, Kenneth Temkin, Charles A. Calhoun. "National Foreclosure Mitigation Counseling Program Evaluation: Preliminary Analysis of Program Effects." Washington, D.C.: The Urban Institute, November 2009.
Online: http://www.urban.org/UploadedPDF/411982_NFMC_program_evaluation.pdf

Nelson, Kris. "Neighborhood Responses to the Foreclosure Crisis." Minneapolis: The CURA Reporter, 2009.
Online: http://www.cura.umn.edu/reporter/09-Spr-Summ/Nelson.pdf

Pierce, Stephanie Casey. "Emerging Trends: State Actions to Tackle the Foreclosure Crisis." Washington DC: NGA Center for Best Practices, February 2009.
Online: http://www.nga.org/Files/pdf/0902FORECLOSUREREPORT.PDF

Quercia, Roberto G., Lei Ding, Janneke Ratcliffe. "Loan Modifications and Redefault Risk: An Examination of Short-term Impact." Chapel Hill: The University of North Carolina at Chapel Hill, March 2009.
Online: http://www.ccc.unc.edu/documents/LM_March3_%202009_final.pdf

Reckard, E. Scott. "Few mortgages have been permanently modified." Los Angeles: Los Angeles Times, November 2009.
Online: http://articles.latimes.com/2009/nov/26/business/la-fi-mortgage26-2009nov26

Thompson, Diane E. "Why Servicers Foreclose When They Should Modify and Other Puzzles of Servicer Behavior: Servicer Compensation and its Consequences." Boston: National Consumer Law Center, October 2009.
Online: http://www.consumerlaw.org/issues/mortgage_servicing/content/Servicer-Report1009.pdf

Woodstock Institute, Housing Action Illinois. "On the Foreclosure Front Lines: Surveying the Capacity of HUD-Certified Housing Counseling Agencies in Illinois." 2009.
Online: http://www.woodstockinst.org/publications/download/on-the-foreclosure-front-lines%3a-surveying-the-capacity-of-hud%11certified-housing-counseling-agencies-in-illinois/

2008

"Foreclosure Legal Assistance." 2008.
Online: http://www.foreclosurelegalassistance.org/

"NeighborWorks Center for Foreclosure Solutions." 2008.
Online: http://www.nw.org/network/neighborworksprogs/foreclosuresolutions/default.asp

"Housing and Economic Recovery Act of 2008 FAQ." Washington DC: US Department of Housing and Urban Development, August 5, 2008.
Online: http://www.hud.gov/news/recoveryactfaq.cfm

"New Jersey Homeownership Preservation Act." 213th Legislature, State of New Jersey, 2008.
Online: http://www.njleg.state.nj.us/2008/Bills/A3000/2517_R2.HTM

"States Strengthen Response to Foreclosure Crisis, According to New Research by the Pew Center on the States." Washington DC: Pew Center on the States, December 17, 2008.
Online: http://www.pewcenteronthestates.org/news_room_detail.aspx?id=47404

Appelbaum, Binyamin, Renae Merle. "Foreclosure Reduction Effort Yielding Mixed Results, Report Says." The Washington Post: D5. December 9, 2008.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2008/12/08/AR2008120803425.html

Cutts, Amy Crews, William A. Merrill. "Interventions in Mortgage Default: Policies and Practices to Prevent Home Loss and Lower Costs." McLean, VA: Freddie Mac, March 2008.
Online: http://www.freddiemac.com/news/pdf/interventions_in_mortgage_default.pdf

ElBoghdady, Dina. "HUD Chief Calls Aid on Mortgages a Failure." The Washington Post: A1. December 17, 2008.
Online: http://www.washingtonpost.com/wp-dyn/content/article/2008/12/16/AR2008121603177.html

Ergungor, O. Emre. "The Mortgage Debacle and Loan Modifications." Cleveland, OH: Federal Reserve Bank of Cleveland, 2008.
Online: http://www.clevelandfed.org/Our_Region/Community_Development/Publications/CRReport/CRReport_Fall2008.pdf

Liben, Judith, Maeve Elise Brown, Esme Caramello. "Helping Low-Income Tenants Avoid Post-Foreclosure Evictions." Chicago, IL: Sargent Shriver National Center on Poverty Law, October 2, 2008.
Online: http://www.povertylaw.org/poverty-law-library/research-guides/foreclosure-webinar/foreclosure-webinar

Minnesota Foreclosure Partners Council. "The Coordinated Plan to Address Foreclosures." 2008.
Online: http://www.gmhf.com/programs/foreclosure/downloads/coordinated-plan-to-address.pdf

Morgenson, G. "Countrywide to Set Aside $8.4 Billion in Loan Aid." New York Times. New York, NY: New York Times, October 6, 2008.
Online: http://www.nytimes.com/2008/10/06/business/06countrywide.html

2007

Frumpkin, Samuel, William Reeves, E. Matthew Quigley, Barry Wides, Julie Williams. "Foreclosure Prevention: Improving Contact with Borrowers." Community Developments Insights. Washington DC: Office of the Comptroller of the Currency, June 2007.
Online: http://www.occ.treas.gov/cdd/Foreclosure_Prevention_Insights.pdf
Click here for abstract.

NeighborWorks. "Formula for Success: Questions and Answers for Local Leaders Designing a Foreclosure Intervention Program." NeighborWorks America, February 2007.
Online: http://www.nw.org/foreclosuresolutions/reports/documents/FormulaForSuccess_Final.pdf

Sayeed, Almas. "From Boom to Bust: Helping Families Prepare for the Rise in Subprime Mortgage Foreclosures." Washington DC: Center for American Progress, 2007.
Online: http://www.americanprogress.org/issues/2007/03/pdf/foreclosure_paper.pdf
Click here for abstract.

2006

Hatcher, Desiree. "Foreclosure Alternatives: A Case for Preserving Homeownership." Profitwise News and Views. February 2006.
Online: http://www.chicagofed.org/community_development/files/02_2006_foreclosure_alt.pdf
Click here for abstract.

2005

Collins, J. Michael, Rochelle Nawrocki Gorey. "Analyzing Elements of Leading Default-Intervention Programs." Ithaca NY: Policy Lab Consulting Group, 2005.
Online: http://content.knowledgeplex.org/kp2/cache/documents/94953.pdf
Click here for abstract.

Hartarska, Valentina, Claudio Gonzalez-Vega. "Credit Counseling and Mortgage Termination by Low-Income Households." The Journal of Real Estate Finance and Economics 30 (3): 227-243. Springer Netherlands, 2005.
Online: http://www.chicagofed.org/cedric/files/2005_conf_paper_session3_hartarska.pdf

Quercia, Roberto G., Michael A. Stegman, Walter R. Davis. "The Impact of Predatory Loan Terms on Subprime Foreclosures: The Special Case of Prepayment Penalties and Balloon Payments." Chapel Hill, NC: Center for Community Capitalism, UNC Chapel Hill, January 25, 2005.
Online: http://www.ccc.unc.edu/documents/foreclosurepaper.pdf

2004

Cutts, Amy Crews, Richard K. Green. "Innovative Servicing Technology: Smart Enough to Keep People in Their Houses?." McLean, VA: Freddie Mac, July 2004.
Online: http://www.freddiemac.com/news/pdf/fmwp_0403_servicing.pdf

Goldstein, Ira. "Bringing Subprime Mortgages to Market and the Effects on Lower-Income Borrowers." Joint Center for Housing Studies Working Paper Series. Cambridge MA: Joint Center for Housing Studies of Harvard University, February 2004.
Online: http://www.jchs.harvard.edu/publications/finance/babc/babc_04-7.pdf
Click here for abstract.

2003

Bright, Elise. "Making Business a Partner in Redeveloping Abandoned Central City Property: Is Profit a Realistic Possibility?." Federal Reserve System’s Third Community Affairs Research Conference. Federal Reserve System, March, 2003.
Online: http://www.chicagofed.org/cedric/files/2003_conf_paper_session3_bright.pdf

2002

Hirad, Abdighani, Peter M. Zorn. "A Little Knowledge Is a Good Thing: Empirical Evidence of the Effectiveness of Pre-Purchase Homeownership Counseling." Low Income Homeownership: Examining the Unexamined Goal: 146-174. Washington, DC: Brookings Institution Press, 2002.
Online: http://www.chicagofed.com/cedric/files/2003_conf_paper_session1_zorn.pdf

"Responsible Demolition: A Baltimore Case Study with National Implications." Baltimore, MD: Annie E. Casey.
Online: http://www.eastbaltimorerevitalization.org/wordpress/wp-content/uploads/2011/03/AECF-Responsible-Demolition-Report.pdf

Secure and Maintain Vacant Properties

2010

"Snapshot Report: Neighborhood Stabilization Program Resource Exchange." District of Columbia: Neighborhood Stabilization Program, 2010.
Online: http://hudnsphelp.info/index.cfm?do=viewSnapshotHome
Click here for abstract.

Federal Reserve Bank of Boston, Federal Reserve Board, Federal Reserve Bank of Cleveland. "REO and Vacant Properties: Strategies for Neighborhood Stabilization." 2010.
Online: http://www.federalreserve.gov/events/conferences/2010/reovpsns/downloads/reo_20100901.pdf

2009

"Big Thinking on Small Grants." 2009.
Online: http://janisfoster.blogspot.com

U.S. Department of Housing and Urban Development's Office of Policy Development and Research. "Revitalizing Foreclosed Properties with Land Banks Revitalizing Foreclosed Properties with Land Banks." Washington, D.C.: U.S. Department of Housing and Urban Development's Office of Policy Development and Research, August 2009.
Online: http://www.huduser.org/portal/publications/affhsg/landbanks.html

2008

Department of Housing and Urban Development. "Neighborhood Stabilization Program Notice." October 6, 2008.
Online: http://www.hud.gov/offices/cpd/communitydevelopment/programs/neighborhoodspg/nspnotice.pdf

US Conference of Mayors. "Vacant and Abandoned Properties: Survey and Best Practices." US Conference of Mayors, 2008.
Online: http://usmayors.org/vacantproperties/VacantandAbandonedProperties08.pdf

2007

Bober, Danielle, Peter Bratt, Khalilah Burt, Syeda Naqvi, Beth Rothman Dave VanderZee. "Putting Back the Welcome Mat: A Neighborhood Guide for Turning Vacant Houses into Homes." Ann Arbor, MI: University of Michigan, December 2007.
Online: http://sitemaker.umich.edu/urpoutreachreports/housing___community_development__h_/da.data/2408150/ReportFile/a_neighborhood_guide_for_turning_vacant_houses_into_homesopt.pdf

2006

Mallach, Alan. "Bringing Buildings Back: From Abandoned Properties to Community Assets: A Guidebook For Policymakers and Practitioners." New Brunswick, NJ: Rutgers University Press, 2006.
Click here for abstract.

2002

Schilling, J.M. "The Revitalization of Vacant Properties: Where Broken Windows Meet Smart Growth." Washington DC: International City/County Management Association, 2002.
Online: http://www.icma.org/upload/library/2003-02/%7BA386AA2B-FE1A-4D73-B244-2CBCE6558417%7D.pdf

Joseph Schilling. "Code Enforcement and Community Stabilization: The Forgotten First Responders to Vacant and Foreclosed Homes." Albany Government Law Review 2 (1): 101-162. .
Online: http://www.communityprogress.net/filebin/pdf/new_resrcs/SchillingAlbanyLawReview.pdf

Streamline Private Sector Disposition of Foreclosed Properties

2010

2008

Seidman, Ellen, Andrew Jakabovics. "Learning From the Past: The Asset Disposition Experiences of the Home Owners Loan Corporation, the Resolution Trust Corporation, and the Asset Control Area Program." Washington DC: New America Foundation and Center for American Progress, 2008.
Online: http://www.americanprogress.org/issues/2008/09/pdf/econ_memo.pdf

Wisscha, G. Ter. "Redevelopment through Lending." A presentation at "Stabilizing Communities, Addressing the Negative Impact of Foreclosures". San Francisco: Federal Reserve Bank of San Francisco, July 2008.
Online: http://stlouisfed.org/RRRSeries/event_2.html

Directly Acquire and Rehabilitate Foreclosed Properties

2010

2009

Fleischman, Daniel. "Nonprofit Strategies for 1- to 4-Unit REO Properties: An Analytical Framework." Washington, DC: NeighborWorks, February 2009.
Online: http://www.nw.org/network/documents/Fleischman_Nonprofit_Strategies_for_REO_Properties.pdf
Click here for abstract.

Hirsch, Deborah. "Camden Stymies Rehab of Houses." Courier Post, September 2009.
Online: http://www.camconnect.org/datalogue/Camden%20stymies%20rehab.pdf

2008

"State Policy Toolkit: State Land Bank Enabling Legislation." Restoring Prosperity. Washington DC: National Vacant Properties Campaign, 2008.
Online: http://www.vacantproperties.org/strategies/documents/LBpolicy-package.pdf

Alexander, Frank S. "Land Banking as Metropolitan Policy." Washington DC: Metropolitan Policy Program at the Brookings Institution, 2008.
Online: http://www.brookings.edu/papers/2008/1028_mortgage_crisis_alexander.aspx

Duffy, Kevin. "New policy for land bank will benefit nonprofits." Atlanta Journal-Constitution. August 21, 2008.
Online: http://www.ajc.com/metro/content/business/stories/2008/08/21/atlanta_land_bank.html

Fairbanks, Phil. "Land bank supporters say bill can save cities." The Buffalo News. July 27, 2008.
Online: http://www.buffalonews.com/cityregion/easternsuburbs/story/400841.html

Kildee, Daniel T., Nancy Floreen, John Talmage, Vicki Been, Phyllis G. Betts, Alan Mallach, Doug Leeper, Dean Baker. "Neighborhoods: The Blameless Victims of the Subprime Mortgage Crisis." Testimony before the Subcommittee on Domestic Policy, Committee on Oversight and Government Reform. U.S. House of Representatives. Washington, DC: House of Representatives, May 21, 2008.
Online: http://oversight.house.gov/story.asp?ID=1961
Click here for abstract.

Madar, Josiah, Vicki Been, Amy Armstrong. "Transforming Foreclosed Properties into Community Assets." New York City: Furman Center for Real Estate and Urban Policy, NYU, December 2008.
Online: http://furmancenter.org/files/FurmanCenterWhitePaper_TransformingForeclosedPropertiesIntoCommunityAssets.pdf

Mallach, Alan. "Stabilizing Neighborhoods Affected by the Foreclosure Crisis." Presentation to National Neighborhood Indicators Partnership meeting. Baltimore MD: November 2008.
Online: http://www2.urban.org/nnip/ppt/NNIP_Baltimore%20Mallach%2011.13.08.ppt

Minnesota Foreclosure Partners Council. "The Coordinated Plan to Address Foreclosures." 2008.
Online: http://www.gmhf.com/programs/foreclosure/downloads/coordinated-plan-to-address.pdf

Shigley, Paul. "Fixing Foreclosure." Planning. June 2008.

Simmons, A. "City Plans to Buy, Renovate and Sell Foreclosed Homes to Low-Income Earners." Los Angeles Times. Los Angeles, CA: LA Times, September 2, 2008.

Swanstrom, Todd. "Notes on Neighborhood Stabilization Civic Capacity." Brookings Roundtable on Federal Foreclosure Responses, November 25, 2008.

Temple, Van. "What Foreclosure Crisis? Community Land Trusts Offer Secure Homeownership." Rooflines. Maplewood, NJ: National Housing Institute, July 10, 2008.
Online: http://www.rooflines.org/1026/what_foreclosure_crisis_community_land_trusts_offer_secure_homeownership/

US Conference of Mayors. "Vacant and Abandoned Properties: Survey and Best Practices." US Conference of Mayors, 2008.
Online: http://usmayors.org/vacantproperties/VacantandAbandonedProperties08.pdf

Werwath, Peter. "Riding the Storm Out." Shelterforce. Maplewood, NJ: National Housing Institute, Winter 2008.
Online: http://www.shelterforce.org/article/1240/riding_the_storm_out/

Zuckerman, S. "The Lease to Purchase Model: Creating a Path to Affordability for REO Recapture." A presentation at "Stabilizing Communities, Addressing the Negative Impact of Foreclosures". San Francisco, CA: Federal Reserve Bank of San Francisco, July 2008.
Online: http://stlouisfed.org/RRRSeries/event_2.html
Click here for abstract.

2007

Graziano, Paul T., Michael C. Bainum, Kristin Dawson. "A Plan to Create the Baltimore City Land Bank." Baltimore MD: Baltimore Housing, October 7, 2007.
Online: http://intranet.baltimorehousing.org/BH3/attachments/landbank718352652.pdf

Griswold, Nigel G., Patricia E. Norris. "Economic Impacts of Residential Property Abandonment and the Genesee County Land Bank in Flint, Michigan." The MSU Land Policy Institute, April 2007.
Online: http://www.landpolicy.msu.edu/modules.php?name=Documents&op=viewlive&sp_id=357

2006

Temkin, K., M. Turner, L. Davis, L. Buron, D. Rodda. "Assessment of the 602 Non-Profit Disposition Program." Report Prepared for the U.S. Department of Housing and Urban Development. Washington, DC: The Urban Institute, December, 2006.
Online: http://www.huduser.org/publications/commdevl/602assessment.html
Click here for abstract.

2005

Alexander, F. "Land Bank Authorities: A Guide for the Creation and Operation of Local Land Banks." LISC, 2005.
Online: http://www.lisc.org/content/publications/detail/793

2003

Mueller, Lisa. "Atlanta Case Study Summary: Model Practices in Foreclosure Prevention and Disposition." New York, NY: LISC, 2003.
Online: http://www.lisc.org/files/796_file_asset_upload_file292_1066.pdf

Help Families Recover

2011

Pollack, Craig Evan, Pamela Pelizzari, Dawn Alley, Julia Lynch. "Health Concerns at Mortgage Counseling Sessions: Results from a Nationwide Survey." Foreclosure Response Issue Brief.. 2011.
Online: http://www.foreclosure-response.org/assets/foreclosure-response/Pollack_HealthConcerns.pdf

2010

"Embracing Renting to Accelerate Neighborhood Recovery." REO & Vacant Properties: Strategies for Neighborhood Stabilization. Federal Reserve Banks of Boston and Cleveland and the Federal Reserve Board. 2010.
Online: http://www.bos.frb.org/commdev/REO-and-vacant-properties/131-Pelletiere.pdf

"Federal Reserve Bank of New York Foreclosure Resource Center." 2010.
Online: http://www.newyorkfed.org/regional/foreclosure_resource_center.html

Brevoort, Kenneth P., Cheryl R. Cooper. "Foreclosure's Wake: The Credit Experiences of Individuals Following Foreclosure." Federal Reserve Board and The Urban Institute. October 2010.
Online: http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1696103

Cherry, Elyse D., Patricia Hanratty. "Purchasing Properties from REO and Reselling to Existing Occupants: Lessons from the Field on Keeping People in Place." REO & Vacant Properties: Strategies for Neighborhood Stabilization. Federal Reserve Banks of Boston and Cleveland and the Federal Reserve Board.. 2010.
Online: http://www.bos.frb.org/commdev/REO-and-vacant-properties/115-Cherry-Hanratty.pdf

Comey, Jennifer, Michel Grosz. "Smallest Victims of the Foreclosure Crisis: Children in the District of Columbia." Urban Institute. Washington, DC: 2010.

2009

2008

""Out Loud” podcast with Danilo Pelletiere." HousingPolicy.org. November 2008.
Online: http://www.housingpolicy.org/mp3s/14.Renters_and_Foreclosures-Nov_08.mp3

Brinkmann, Jay. "An Examination of Mortgage Foreclosures, Modifications, Repayment Plans and Other Loss Mitigation Activities in the Third Quarter of 2007." Washington DC: Mortgage Bankers Association, January 2008.
Online: http://www.mbaa.org/files/News/InternalResource/59454_LoanModificationsSurvey.pdf

Caramello, Esme. "Preserving Section 8 tenancies after foreclosure." Presentation given at Sargent Shriver National Center on Poverty Law webinar “Helping Low-Income Tenants Avoid Post-Foreclosure Evictions.”. 2008.
Online: http://www.povertylaw.org/poverty-law-library/research-guides/foreclosure-webinar/caramello.pdf

Fernandez, M. "Helping to Keep Homelessness at Bay as Foreclosures Hit More Families." New York Times. New York, NY: New York Times, February 4, 2008.
Online: http://www.nytimes.com/2008/02/04/nyregion/04neediest.html

Gomez, Alan. "More governments coming to evicted renters' rescue." USA Today. October 27, 2008.
Online: http://www.usatoday.com/money/economy/housing/2008-10-26-Evictions_N.htm

Mohr, Caryn, Dan Mueller. "East Side Housing Opportunity Program evaluation report: Results for the 2007 calendar year." St. Paul, MN: Amherst H. Wilder Foundation, March 2008.
Online: http://www.wilder.org/reportsummary.html?tx_ttnews%5Btt_news%5D=2057&no_cache=1

2007

Hangen, Eric. "Case Study: Impacts of Homeownership Education and Counseling on Purchasing Power of Clients of INHP, Indianapolis, IN." Center for Housing Policy, November 2007.
Online: http://www.nhc.org/pdf/chp_impacts_indianapolis1107.pdf

Portman, Janet. "Renters in Foreclosure: What Are Their Rights?." NOLO.org, 2007.
Online: http://www.nolo.com/article.cfm/ObjectID/B8CE60DC-0D00-4E6B-8DC71AF1165C89EA/

1998

Foreclosure Crisis - Background References

National Analysis of the Foreclosure Crisis in the Context of the Rental Housing Market

2008

Joint Center for Housing Studies. "The State of the Nation's Housing 2008." Cambridge, MA: Graduate School of Design and Harvard Kennedy School, 2008.
Online: http://www.jchs.harvard.edu/son/index.htm

2004

National Analysis of the Foreclosure Crisis and Policy Recommendations

2010

"Snapshot of a Foreclosure Crisis: 15 Fast Facts.." Washington, DC: Center for Responsible Lending, 2010.
Online: http://www.responsiblelending.org/mortgage-lending/research-analysis/snapshot-of-foreclosure-crisis.pdf

"Federal Reserve Bank of New York Foreclosure Resource Center." 2010.
Online: http://www.newyorkfed.org/regional/foreclosure_resource_center.html

Sherhund, Shane M. "Mortgage Defaults." Board of Governors of the Federal reserve System. Chicago: Federal Reserve Bank of Chicago, March 2010.
Online: http://www.chicagofed.org/digital_assets/others/communities/foreclosure_resource_center/more_mortgage_defaults.pdf

2009

"Stable Communities." NeighborWorks America, 2009.
Online: http://www.stablecommunities.org/

"Center for Responsible Lending." 2009.
Online: http://www.responsiblelending.org/issues/mortgage/

"Interim Report to Congress on the Root Causes of the Foreclosure Crisis.." U.S. Department of Housing and Urban Development's Office of Policy Development and Research, March 2009.

"Interim Report to Congress on the Root Causes of the Foreclosure Crisis." Washington DC: U.S. Department of Housing and Urban Development, March 2009.
Online: http://www.huduser.org/Publications/PDF/int_Foreclosure_rpt_congress.pdf

"Soaring Spillover: Accelerating Foreclosures to Cost Neighbors $502 Billion in 2009 Alone;69.5 Million Homes Lose $7,200 on Average.." Washington, DC: Center for Responsible Lending, May 2009.
Online: http://www.responsiblelending.org/mortgage-lending/research-analysis/soaring-spillover-3-09.pdf

Canavan, Sharon, Julie L. Williams, Barry Wides, Karen Bellesi. "Property Disposition: Exploring Different Approaches for Preserving Affordable Housing Opportunities." Community Developments Insights. Washington DC: US Department of the Treasury, March 2009.
Online: http://www.occ.treas.gov/cdd/Insights-PropertyDisposition.pdf

Ernst, Keith S. "Current Trends in Foreclosure and What More Can Be Done To Prevent Them." Testimony before the Subcommittee the Joint Economic Committee of the U.S. Congress. Washington, DC: July 28, 2009.
Online: http://www.responsiblelending.org/mortgage-lending/policy-legislation/congress/ernst-jec-oral-testimony.pdf

Garrison, Sonia, Sam Rogers, Mary L. Moore. "Continued Decay and Shaky Repairs: The State of Subprime Loans Today.." Washington, DC: Center for Responsible Lending, January 2009.
Online: http://www.responsiblelending.org/mortgage-lending/research-analysis/continued_decay_and_shaky_repairs.pdf

Mallach, Alan. "Stabilizing Communities: A Federal Response to the Secondary Impacts of the Foreclosure Crisis." Washington DC: The Brookings Institute, February 2009.
Online: http://www.brookings.edu/~/media/Files/rc/reports/2009/02_foreclosure_crisis_mallach/02_foreclosure_crisis_mallach_report.pdf

Sheldon, Amanda, Phillip Bush, Aaron Kearsley, Anne Gass. "The Challenge of Foreclosed Properties: An Analysis of State and Local Plans to Use the Neighborhood Stabilization Program." Columbia: Enterprise Community Partners, Inc., 2009.
Online: http://www.enterprisecommunity.org/resources/publications_catalog/pdfs/nsp_2009.pdf

2008

"Subprime and Predatory Mortgage Lending." National Conference of State Legislatures, 2008.
Online: http://www.ncsl.org/programs/banking/predlend_intro.htm

Baily, Martin Neil, Douglas W. Elmendorf, Robert E. Litan. "The Great Credit Squeeze: How it Happened, How to Prevent Another." Washington, DC: The Brookings Institution, May 21, 2008.
Online: http://www.brookings.edu/~/media/Files/rc/papers/2008/0516_credit_squeeze/0516_credit_squeeze.pdf

Carr, James H. "Responding to the Foreclosure Crisis." Housing Policy Debate 18 (4): 837-860. Alexandria, VA: Metropolitan Institute at Virginia Tech, 2008.
Online: http://www.mi.vt.edu/data/files/hpd%2018.4/hpd_j._carr_article.pdf

2007

Brooks, Rick, Ruth Simon. "Subprime Debacle Traps Even Very Credit-Worthy As Housing Boomed, Industry Pushed Loans To a Broader Market." Wall Street Journal: A1. December 2, 2007.
Online: http://online.wsj.com/article/SB119662974358911035.html

Butera and Andrews. "State and Local Predatory Lending Laws (As of 01-22-07)." Washington, DC: Butera and Andrews, January 22, 2007.
Online: http://www.butera-andrews.com/legislative-updates/directory/State/Legislature/Bills/sbc/List%20of%20State%20and%20Local%20Predatory%20Lending%20Laws.pdf

Gramlich, Edward M. "Subprime Mortgages: America’s Latest Boom and Bust." Subprime Mortgages: America’s Latest Boom and Bust. Washington, DC: The Urban Institute Press, 2007.

2006

National Analysis of Scope and Effects

2010

2009

Immergluck, Dan. "Intrametropolitan Patterns of Foreclosed Homes: ZIP-Code-Level Distributions of Real-Estate-Owned (REO) Properties during the U.S. Mortgage Crisis." Community Affair Discussion Paper 01 (09). Atlanta: Federal Reserve Bank of Atlanta, April 21, 2009.
Online: http://www.frbatlanta.org/filelegacydocs/dp_0109.pdf
Click here for abstract.

2008

Center for Responsible Lending. "Subprime Spillover: Foreclosures Cost Neighbors $202 Billion; 40.6 Million Homes Lose $5,000 on Average." Washington, DC: Center for Responsible Lending, January 18, 2008.
Online: http://www.responsiblelending.org/issues/mortgage/research/subprime-spillover.html

Center for Responsible Lending. "Updated Projections of Subprime Foreclosures in the United States and Their Impacts on Home Values and Communities." Washington, DC: Center for Responsible Lending, August 2008.
Online: http://www.responsiblelending.org/issues/mortgage/research/updated-projections-of-subprime-foreclosures-in-the-united-states-and-their-impact-on-home-values-and-communities.html

Dubitsky, Rod, Larry Yang, Stevan Stevanovic, Thomas Suehr. "Foreclosure Update: over 8 million foreclosures expected." New York: Credit Suisse, December 4, 2008.
Online: http://www.chapa.org/pdf/ForeclosureUpdateCreditSuisse.pdf

Gerardi, Kristopher, Adam Hale Shapiro, Paul S. Willen. "Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures." Boston, MA: Federal Reserve Bank of Boston, May 4, 2008.
Online: http://www.bos.frb.org/economic/wp/wp2007/wp0715.htm

Immergluck, Dan. "From the Subprime to the Exotic: Excessive Mortgage Market Risk and Foreclosures." Journal of the American Planning Association 74 (1): 59-76. Chicago, IL: The American Planning Association, Winter 2008.

Immergluck, Dan. "The Accumulation of Foreclosed Properties: Trajectories of Metropolitan REO Inventories during the 2007–2008 Mortgage Crisis." Community Affairs Discussion Paper 02-08. Atlanta, GA: Federal Reserve Bank of Atlanta, 12/15/2008.
Online: http://www.frbatlanta.org/filelegacydocs/dp_0208.pdf
Click here for abstract.

Walker, Christopher, Francisca Winston. "Loan Performance Problems by Subprime Status and Community Poverty." Washington DC: Local Initiatives Support Corporation, October 2008.

Walker, Christopher, Fransisca Winston. "Loan Performance Problems by Subprime Status and Community Poverty." Washington, D.C.: LISC, October 2008.

2007

Center for Responsible Lending. "Subprime Lending: A Net Drain on Homeownership." Washington, DC: Center for Responsible Lending, March 27, 2007.
Online: http://www.responsiblelending.org/issues/mortgage/research/subprime-lending-is-a-drain-on-home-ownership.html
Click here for abstract.

2006

Schloemer, Ellen, Wei Li, Keith Ernst, Kathleen Keest. "Losing Ground: Foreclosures in the Subprime Market and Their Cost to Homeowners." Washington, DC: Center for Responsible Lending, December 2006.
Online: http://www.responsiblelending.org/issues/mortgage/research/page.jsp?itemID=31217189
Click here for abstract.

2005

1998

Elmer, Peter J., Steven A. Seelig. "The Rising Long-Term Trend of Single-Family Mortgage Foreclosure Rates.." Federal Deposit Insurance Corporation Working Paper 98 (2). Washington, DC: Federal Deposit Insurance Corporation, 1998.
Online: http://ssrn.com/abstract=126128

Targeting Federal Assistance

2009

2008

Kingsley, G. Thomas. "Targeting Federal Aid to Neighborhoods Distressed by the Subprime Mortgage Crisis." Washington, DC: House of Representatives, May 22, 2008.
Online: http://oversight.house.gov/story.asp?ID=1968

Walker, Christopher. "Targeting Federal Aid to Neighborhoods Distressed by the Subprime Mortgage Crisis." Washington, DC: House of Representatives, May 22, 2008.
Online: http://oversight.house.gov/story.asp?ID=1968

Data and Data Sources

2011

NeighborhoodInfo DC. "NeighborhoodInfo DC Foreclosure Page." Washington: NeighborhoodInfo DC, February 2011.
Online: http://www.neighborhoodinfodc.org/Foreclosure/index.html

2010

"Foreclosure Resource Center." Atlanta: Federal Reserve Bank of Atlanta, 2010.
Online: http://www.frbatlanta.org/commdev/frc/

"US Credit Conditions - Federal Reserve Bank of New York." 2010.
Online: http://data.newyorkfed.org/creditconditions/

Enterprise Community Partners, Inc. "Market Data-Driven Stabilization: A Case Study of Cleveland’s NEO CANDO Data System." Enterprise Community Partners, Inc., 2010.
Online: http://www.enterprisecommunity.org/training_and_events/live_online_events/documents/021011_nsp/67452.pdf

Getsinger, Liza, Leah Hendey, Kathryn L.S. Pettit, Peter Tatian, Ashley Williams. "Washington, D.C. Metropolitan Area Foreclosure Monitor." Washington: NeighborhoodInfoDC, Spring 2010.
Online: http://www.neighborhoodinfodc.org/pdfs/Foreclosure%20Monitor%2010-16-2010.pdf

2009

VADAPALLI, DIWAKAR, APRIL HIRSH, CLAUDIA COULTON, MICHAEL SCHRAMM. "Trends in ‘home purchase loan’ origination in Cleveland and Cuyahoga County: 1995 — 2008." Behind the Numbers: Data Analysis from the Center on Urban Poverty and Community Development 8. Cleveland: Center on Urban Poverty and Community Development, Case Western Reserve University, November 2009.
Online: http://blog.case.edu/msass/2009/11/30/trends_in_home_purchase_loans_nov09_final.pdf

2008

Baltimore Neighborhood Indicators Alliance. "Baltimore City Foreclosure Filings." Baltimore: December 10, 2008.
Online: http://www.ubalt.edu/bnia/maps.cfm

Kan, Joel. "Sources of Foreclosure Data." MBA Research Datanotes. Mortgage Bankers Association, July 2008.
Online: http://www.mortgagebankers.org/files/Research/July2008SourcesofForeclosureData.pdf

Newman, K. "GO PUBLIC! Using Publicly Available Data to Understand the Foreclosure Crisis." Unpublished manuscript. New Brunswick, NJ: Rutgers University, 2008.

OCC (Office of the Comptroller of the Currency). "OCC Mortgage Metrics Report: Analysis and Disclosure of National Bank Mortgage Loan Data." Washington, DC: US Department of the Treasury, March 2008.
Online: http://www.occ.treas.gov/ftp/release/2008-65b.pdf

2007

Avery, Robert B., Kenneth P. Brevoort, Glenn B. Canner. "The 2006 HMDA Data." Federal Reserve Bulletin 93: A73-A109. Washington, DC: Federal Reserve, December 21, 2007.
Online: http://www.federalreserve.gov/pubs/bulletin/2007/07index.htm

Pettit, Kathryn L.S., Audrey E. Droesch. "A Guide to Home Mortgage Disclosure Act Data." Washington, DC: DataPlace, KnowledgePlex Inc., December 2007.
Online: http://www.urban.org/url.cfm?ID=1001247

2006

Pennington-Cross, Anthony. "The Duration of Foreclosures in the Subprime Mortgage Market: A Competing Risks Model with Mixing." Working Paper 2006-027A. St. Louis, MO: St. Louis Federal Reserve Bank, April 2006.
Online: http://research.stlouisfed.org/wp/2006/2006-027.pdf